Toy money, i guess. Its suprising who is a millionair and who isnt. In a car factory where my brother works, one of the workers, financing a house with his money and then houses with money from the house, became a millionaire without anyone in the above layer noticing. So if he gets chewed out by one of his fore-masters or executives, they are - not knowing- chewing out somebody who could quit any time.

All it takes is 10-20 years of saving 30+% of your income. Most people balk at that savings rate, but anything white collar pays enough to have that sort of savings if you are willing to life a more modest lifestyle than your socioeconomic peers.

10 years later the interest you earn on it will be more than the 30% you are putting in.

It helps if you have entertainment/activitys that are solitary, cheap and infinite.

Games, books, whatever occupy you without draining resources.

>10 years later the interest you earn on it will be more than the 30% you are putting in.

How?

5% interest, $1,000 monthly injections, compounded monthly over 10 years. $120k in deposits, $36k in interest.

That was automatic for most people not so long ago, at the time house were bought on 10-20 years mortgages.